and I never thought I'd see lower than that. Our current home was the biggest purchase of our lives. Originally locked in around 5% and within a few years refinanced at 3.25%. Unbelievable. I was alive in the 70s/80s when interest rates were double digits. Your rate is a good one and you should be super happy with that. Get in at that rate and if something crazy happens in the next year or two you can refinance.

We will pay off our house in about 18 more months. That low of an interest rate allowed us to pay off the mortgage a lot quicker than planned. Yeah there will be the usually CB group that says we should be keeping our mortgage high and investing elsewhere. However in 18 months we will have zero debt. No house, no car payment. Kids are through college, I can retire at 54 with a pension and zero debt. No investing is going to beat that feeling, at least for me.